CN117710122A - Big data claim product management method, device, computer equipment and storage medium - Google Patents
Big data claim product management method, device, computer equipment and storage medium Download PDFInfo
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Abstract
The application relates to the technical field of information management, and particularly discloses a big data claim product management method, a device, computer equipment and a storage medium. According to the method and the device, when a user enters the claim product module, a product recommendation list is generated according to the user information, and the time for the user to find the product is saved. The target claim product is determined according to the user operation, and further the premium of the target claim product is calculated according to the premium calculation model, so that the user does not need to communicate with sales personnel, and can independently select and purchase the claim product, the user time is saved, and the user experience and the purchase efficiency are improved.
Description
Technical Field
The present disclosure relates to the field of information management technologies, and in particular, to a method and apparatus for managing a product for managing big data claims, a computer device, and a storage medium.
Background
Along with the continuous improvement of the living standard of people, the guarantee and investment consciousness of people are also continuously enhanced, and in order to meet diversified insurance and investment demands, insurance companies are continuously innovated, and various new claim products are introduced to adapt to the demands of different crowds and different purposes. The application conditions of various claim products are different, and the information of the application personnel is also different, so that the application clients need to communicate with sales personnel for a long time, and the purchasing efficiency is lower. Therefore, how to save the time of the insurance clients and improve the purchasing efficiency becomes a problem to be solved.
Disclosure of Invention
The application provides a big data claim product management method, a big data claim product management device, computer equipment and a storage medium, so that the time of an insurance client is saved in the insurance process, and the purchasing efficiency is improved.
In a first aspect, the present application provides a method of managing a big data claim product, the method comprising:
determining a target function module in the function selection page based on the first user operation;
when the target functional module is a claim product module, generating a product recommendation list based on user information of a current user, and determining a target claim product in the product recommendation list based on second user operation;
processing the user information of the current user and the clause information of the target claim product based on the premium calculation model to obtain premium of the target claim product, and detecting premium payment results of the current user;
and when the premium payment result is that the payment is successful, transmitting and storing the policy of the target claim product into a user account for the user to check.
Further, the determining, based on the first user operation, the target function module in the function selection page includes:
Displaying a selectable control corresponding to a function module to the current user based on the function selection page;
and determining a target control in the selectable controls based on the first user operation, and taking a function module corresponding to the target control as a target function module.
Further, when the target function module is the claim product module, generating a product recommendation list based on the user information of the current user includes:
based on the user information, matching is carried out in a preset claim product database, and the matching degree of each claim product and the user information is obtained;
and sorting the claim products with the matching degree higher than a preset matching degree threshold value according to the matching degree from high to low to obtain a product recommendation list.
Further, the matching is performed in a preset claim product database based on the user information, and before the matching degree between each claim product and the user information is obtained, the method further comprises:
acquiring user information of a historical user and a claim product of the historical user;
carrying out correlation calculation on the user information and the claim product to obtain a correlation between the user information and the claim product;
And determining key information in the user information based on the correlation, and generating the claim product database based on the key information and the claim product.
Further, the performing correlation calculation on the user information and the claim product to obtain a correlation between the user information and the claim product includes:
calculating the correlation coefficient of the user information and the claim product based on a preset correlation coefficient calculation model;
and matching the correlation coefficient with a preset coefficient range to obtain a matching result, and determining the correlation between the user information and the claim product based on the matching result.
Further, the matching is performed in a preset claim product database based on the user information, so as to obtain the matching degree between each claim product and the user information, including:
acquiring key information from the user information, wherein the key information comprises first key information and second key information;
based on the first key information and the second key information, matching is carried out in the claim product database, and a first matching degree corresponding to the first key information and a second matching degree corresponding to the second key information are obtained;
And calculating and obtaining the matching degree of each claim product and the user information based on a preset first weight, a preset second weight, the first matching degree and the second matching degree.
Further, before determining the target function module in the function selection page based on the first user operation, the method further includes:
receiving account information and verification information input by the current user, and searching a user account corresponding to the account information based on the account information;
based on the verification information and the user account, verifying the user identity of the current user;
and when the user identity passes the verification, generating a login success prompt, and displaying the function selection page to the current user for the user to operate.
In a second aspect, the present application further provides a big data claim product management apparatus, the apparatus comprising:
the target function determining module is used for determining a target function module in the function selection page based on the first user operation;
the target claim product determining module is used for generating a product recommendation list based on the user information of the current user when the target functional module is the claim product module, and determining a target claim product in the product recommendation list based on the second user operation;
The payment result detection module is used for processing the user information of the current user and the clause information of the target claim product based on the premium calculation model, obtaining the premium of the target claim product and detecting the premium payment result of the current user;
and when the premium payment result is that the payment is successful, transmitting and storing the policy of the target claim product into a user account for the user to check.
In a third aspect, the present application also provides a computer device comprising a memory and a processor; the memory is used for storing a computer program; the processor is configured to execute the computer program and implement the big data claim product management method as described above when the computer program is executed.
In a fourth aspect, the present application also provides a computer readable storage medium storing a computer program which, when executed by a processor, causes the processor to implement a big data claim product management method as described above.
The application discloses a big data claim product management method, a big data claim product management device, computer equipment and a storage medium, wherein a target function module is determined in a function selection page based on first user operation; when the target functional module is a claim product module, generating a product recommendation list based on user information of a current user, and determining a target claim product in the product recommendation list based on second user operation; processing the user information of the current user and the clause information of the target claim product based on the premium calculation model to obtain premium of the target claim product, and detecting premium payment results of the current user; and when the premium payment result is that the payment is successful, transmitting and storing the policy of the target claim product into a user account for the user to check. According to the method and the device, when a user enters the claim product module, a product recommendation list is generated according to the user information, and the time for the user to find the product is saved. The target claim product is determined according to the user operation, and further the premium of the target claim product is calculated according to the premium calculation model, so that the user does not need to communicate with sales personnel, and can independently select and purchase the claim product, the user time is saved, and the user experience and the purchase efficiency are improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a first embodiment of a big data claim product management method provided by embodiments of the present application;
FIG. 2 is a flow chart illustrating a second embodiment of a method for managing big data claim products provided by embodiments of the present application;
FIG. 3 is a schematic block diagram of a big data claim product management apparatus provided by an embodiment of the present application;
fig. 4 is a schematic block diagram of a computer device according to an embodiment of the present application.
Description of the embodiments
The following description of the embodiments of the present application will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all, of the embodiments of the present application. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are within the scope of the present disclosure.
The flow diagrams depicted in the figures are merely illustrative and not necessarily all of the elements and operations/steps are included or performed in the order described. For example, some operations/steps may be further divided, combined, or partially combined, so that the order of actual execution may be changed according to actual situations.
It is to be understood that the terminology used in the description of the present application is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used in this specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should also be understood that the term "and/or" as used in this specification and the appended claims refers to any and all possible combinations of one or more of the associated listed items, and includes such combinations.
The embodiment of the application provides a big data claim product management method, a big data claim product management device, computer equipment and a storage medium. The big data claim product management method can be applied to a server, and a product recommendation list is generated through user information, so that the time for searching products by a user is saved. The target claim product is determined according to the user operation, and further the premium of the target claim product is calculated according to the premium calculation model, so that the user does not need to communicate with sales personnel, and can independently select and purchase the claim product, the user time is saved, and the user experience and the purchase efficiency are improved.
Some embodiments of the present application are described in detail below with reference to the accompanying drawings. The following embodiments and features of the embodiments may be combined with each other without conflict.
Referring to fig. 1, fig. 1 is a schematic flowchart of a method for managing a big data claim product according to an embodiment of the present application.
As shown in fig. 1, the method for managing the big data claim product specifically includes steps S101 to S104.
S101, determining a target function module in a function selection page based on first user operation;
further, the determining, based on the first user operation, the target function module in the function selection page includes: displaying a selectable control corresponding to a function module to the current user based on the function selection page; and determining a target control in the selectable controls based on the first user operation, and taking a function module corresponding to the target control as a target function module.
In one embodiment, the function display page displays selectable control information corresponding to a preset function module, wherein the control information can be a control name, such as "insurance product", "industry consultation", "customer service center", and the like, and can also be a control icon.
In one embodiment, the user-selected target control is determined from a first user operation, which may be a click or voice command, or the like. And determining the functional module corresponding to the target control as a target functional module by searching a relation mapping table of the control and the functional module.
In one embodiment, the mapping between the selectable controls and the functional modules may be pre-stored in a database.
Further, before determining the target function module in the function selection page based on the first user operation, the method further includes: receiving account information and verification information input by the current user, and searching a user account corresponding to the account information based on the account information; based on the verification information and the user account, verifying the user identity of the current user; and when the user identity passes the verification, generating a login success prompt, and displaying the function selection page to the current user for the user to operate.
In one embodiment, the account information may be a user phone number, a user nickname, a system generated account, or the like.
In one embodiment, the verification information may be a password set by the user, or may be a verification code sent to the mobile phone of the user.
In one embodiment, whether the current user is the user corresponding to the user account is verified according to the user account and the password or verification code input by the user.
The mobile phone number (i.e. account information) input by the current user is received, the user account corresponding to the mobile phone number is searched, the verification code is further sent to the mobile phone number, whether the verification code input by the user is the same as the sent verification code or not is detected, if the verification code is the same as the sent verification code, verification is passed, if the verification code is not the same, the current user is refused to log in the user account, namely the user identity is not verified. And recording the times that the same user fails to pass the verification, and when the times are larger than a preset threshold value, sending warning information to the corresponding mobile phone number of the user account so as to prompt the user account corresponding to the user account to log in abnormally, so that strangers are prevented from logging in, and the user information is revealed.
S102, when the target functional module is a claim product module, generating a product recommendation list based on user information of a current user, and determining a target claim product in the product recommendation list based on second user operation;
in one embodiment, user information of a current user is obtained when the target function module is a claim product module. It will be appreciated that the user information may be obtained from a user account; or the user information input template is displayed to the current user to receive the input information of the current user, so as to obtain the user information.
The user information may include, among others, the name of the applicant, the name of the insured, the relation between the applicant and the insured, the sex of the insured, the age of the insured, the claims records of the insured, the credit records of the insured, etc.
In one embodiment, matching degree of the user information of the current user and the claim product is obtained by matching the user information, and the product recommendation list is obtained by sorting the matching degree from high to low.
In one embodiment, the user refers to the product recommendation list to determine the claim product he or she needs and performs a second user operation to determine the target claim product.
S103, processing the user information of the current user and the clause information of the target claim product based on the premium calculation model to obtain premium of the target claim product, and detecting premium payment results of the current user;
in one embodiment, the premium calculation model may compare the user information with the clause information of the target claim product to obtain the matching degree of each item of data and clause in the user information, further calculate the claim risk according to the matching degree, and determine the premium of the target claim product according to the obtained mapping relationship between the claim risk and the preset risk and premium.
For example, assuming that the insured life is 25 years old, the insured life applies for claims to record as "none", the term of the claim product is 100 yuan, the insured life is 20 years old, the premium is not increased, the insured life is increased by 10% every five years old, and the insured life applies for claims to record every 15% premium increase. The calculation may determine that a 110-ary premium needs to be paid.
And S104, when the premium payment result is that the payment is successful, transmitting and storing the policy of the target claim product into a user account for the user to check.
In one embodiment, when the user successfully pays for the insurance, it is indicated that the current claim product has been purchased successfully, a policy is generated based on the user information and information related to the target claim product, and the policy is sent to the user account for storage, and the user can view the policy at any time. The information about the target claim product may include a claim amount, a claim range, a claim term, and the like.
In one embodiment, the method for managing the big data claim product is applied to a big data claim management system, and the system comprises a user login module and a functional module, wherein the user login module is used for verifying the identity of a user and logging in a user account; the function module is used for displaying related information after the user determines the target function.
In one embodiment, the functional modules include an insurance product unit, an industry information unit, a common insurer unit, and an account unit. The insurance product unit is used for displaying detailed information of each claim product to a user; the industry information unit is used for displaying information about insurance products, application skills, product recommendation and the like to a user; the common insurer unit is used for recording information of the insurers; the account unit is used for displaying the contents of the policy to the user, carrying out real-name authentication, modifying passwords, modifying user information, checking orders and the like.
The above embodiments provide a method, apparatus, computer device, and storage medium for managing a big data claim product, where a target function module is determined in a function selection page based on a first user operation; when the target functional module is a claim product module, generating a product recommendation list based on user information of a current user, and determining a target claim product in the product recommendation list based on second user operation; processing the user information of the current user and the clause information of the target claim product based on the premium calculation model to obtain premium of the target claim product, and detecting premium payment results of the current user; and when the premium payment result is that the payment is successful, transmitting and storing the policy of the target claim product into a user account for the user to check. According to the method and the device, when a user enters the claim product module, a product recommendation list is generated according to the user information, and the time for the user to find the product is saved. The target claim product is determined according to the user operation, and further the premium of the target claim product is calculated according to the premium calculation model, so that the user does not need to communicate with sales personnel, and can independently select and purchase the claim product, the user time is saved, and the user experience and the purchase efficiency are improved.
Referring to fig. 2, fig. 2 is a schematic flowchart of a method for managing a big data claim product according to an embodiment of the present application.
As shown in fig. 2, before the step S102 of the method for managing big data claim products, the method specifically further includes steps S201 to S202.
S201, based on the user information, matching is carried out in a preset claim product database, and the matching degree of each claim product and the user information is obtained;
further, the matching is performed in a preset claim product database based on the user information, so as to obtain the matching degree between each claim product and the user information, including: acquiring key information from the user information, wherein the key information comprises first key information and second key information; based on the first key information and the second key information, matching is carried out in the claim product database, and a first matching degree corresponding to the first key information and a second matching degree corresponding to the second key information are obtained; and calculating and obtaining the matching degree of each claim product and the user information based on a preset first weight, a preset second weight, the first matching degree and the second matching degree.
In one embodiment, the key information, i.e., information related to the claim product in the user information, such as the user information, may include an applicant name, an insured person name, an applicant-insured person relationship, an insured person gender, an insured person age, an insured person application claim record, and an insured person credit record, wherein the insured person age, the insured person application claim record, and the insured person credit record may cause the claim product to be different, and the insured person age, the insured person application claim record, and the insured person credit record are the key information.
It will be appreciated that the key information may be two or more, and is determined according to the number of information related to the claim product in the user information.
In one embodiment, the database stores key information corresponding to each claim product, and the key information in the user information of the current user is searched according to the key information in the database. If the key information stored in the database is the insured age, the insured claim applying record and the insured credit record, the insured age, the insured claim applying record and the insured credit record in the current user are extracted as the first key information, the second key information and the third key information.
In one embodiment, the key information of each financial product may be different, so the key information extracted from the user information of the current user is not necessarily related to all the financial products. For example, the key information of the product A is the age of the insured person and the records of claims applied by the insured person, and the key information of the product B is the records of claims applied by the insured person and the credit records of the insured person.
In one embodiment, the extracted key information is matched one by one in a database to obtain a matching degree corresponding to each key information, and then a final matching degree is calculated through a first weight corresponding to a preset first key information and a second weight corresponding to a second key information, wherein the calculation formula is as follows: final matching degree=first matching degree×first weight+second matching degree×second weight.
It can be understood that the matching degree is 0 when a certain key information is not related to the claim product, for example, the key information extracted from the user information of the current user includes the age of the insured person, the medical records of the insured person and the credit records of the insured person, wherein the credit records of the insured person have no related relationship with the product A, and the matching degree of the credit records of the insured person and the product A is 0.
S202, sorting the claim products with the matching degree higher than a preset matching degree threshold value according to the matching degree from high to low, and obtaining a product recommendation list.
In one embodiment, the claim products are screened through a preset matching degree threshold, for example, claim products with matching degree higher than 50% are used as recommended products, and are arranged from high to low according to the matching degree, so that a product recommendation list is generated for reference of a user.
It can be appreciated that the product recommendation table includes the names of the claim products and the matching degree corresponding to each claim product, and may also include the number of purchasers of the claim products.
Further, the matching is performed in a preset claim product database based on the user information, and before the matching degree between each claim product and the user information is obtained, the method further comprises: acquiring user information of a historical user and a claim product of the historical user; carrying out correlation calculation on the user information and the claim product to obtain a correlation between the user information and the claim product; and determining key information in the user information based on the correlation, and generating the claim product database based on the key information and the claim product.
In one embodiment, the historical user is a user who purchases the claim product, and the correlation between the user information of the historical user and the financing product purchased by the historical user finally is analyzed, so that key information related to the claim product is extracted from the user information.
It will be appreciated that variations in critical information, which is related to the claim product, can result in a different claim product being purchased at the end.
In one embodiment, the correlation calculation may be a pearson correlation coefficient calculation method, a spearman correlation coefficient calculation method, and a kendel correlation coefficient calculation method.
In one embodiment, the correlation relationship includes a positive correlation and a negative correlation, and also includes a high correlation and a low correlation.
Exemplary user information includes, for example, applicant name, insured name, applicant-insured relationship, insured gender, insured age, insured person application claim records, and insured credit records. The correlation calculation can obtain the age of the insured person, the claim record of the insured person and the credit record of the insured person which have correlation with the claim product, and the age of the insured person, the claim record of the insured person and the credit record of the insured person are used as key information to be stored in a database together with the final purchased financial product.
In one embodiment, the determining of the key information may further use information with a correlation number higher than a coefficient threshold as the key information according to a relationship between the correlation coefficient and a preset coefficient threshold. Wherein the coefficient threshold may be set according to user requirements.
Further, the performing correlation calculation on the user information and the claim product to obtain a correlation between the user information and the claim product includes: calculating the correlation coefficient of the user information and the claim product based on a preset correlation coefficient calculation model; and matching the correlation coefficient with a preset coefficient range to obtain a matching result, and determining the correlation between the user information and the claim product based on the matching result.
In one embodiment, the correlation coefficient is used to represent the correlation between the user information and the claim product, the larger the absolute value of the correlation coefficient is, the higher the correlation is, the lower the absolute value of the correlation coefficient is, the lower the correlation is, the positive correlation is represented by the correlation coefficient being regular, and the negative correlation is represented by the correlation coefficient being negative.
In one embodiment, the predetermined coefficient range may be [ -1, -0.6), [ -0.6, -0.3), [ -0.3,0], [0,0.3], (0.3, 0.6], and (0.6,1 ]. Wherein, [ -1, -0.6) is highly negative correlation, [ -0.6, -0.3) is moderately negative correlation, [ -0.3,0] is low negative correlation, [0,0.3] is low positive correlation, (0.3, 0.6) is moderately positive correlation, and (0.6,1) is highly positive correlation.
Illustratively, when the correlation coefficient of a certain information in the user information and the claim product is 0.7, the correlation relationship of the information and the claim product is highly positive.
Referring to fig. 3, fig. 3 is a schematic block diagram of a big data claim product management apparatus according to an embodiment of the present application, where the big data claim product management apparatus is configured to perform the big data claim product management method described above. Wherein, the big data claim product management device can be configured on a server.
As shown in fig. 3, the big data claim product management apparatus 300 includes:
a target function determining module 301 for determining a target function module in the function selection page based on the first user operation;
a target claim product determining module 302, configured to generate a product recommendation list based on user information of a current user when the target function module is a claim product module, and determine a target claim product in the product recommendation list based on a second user operation;
the payment result detection module 303 is configured to process, based on a premium calculation model, user information of the current user and term information of the target claim product, obtain premium of the target claim product, and detect a premium payment result of the current user;
And the policy sending module 304 is configured to send and store the policy of the target claim product into a user account for viewing by a user when the premium payment result is that the payment is successful.
Further, the target function determining module 301 includes:
the selectable control display unit is used for displaying selectable controls corresponding to the function modules to the current user based on the function selection page;
and the target function module determining unit is used for determining a target control in the selectable controls based on the first user operation, and taking a function module corresponding to the target control as a target function module.
Further, the target claim product determination module 302 includes:
the matching degree obtaining unit is used for carrying out matching in a preset claim product database based on the user information to obtain the matching degree of each claim product and the user information;
and the product recommendation table obtaining unit is used for sorting the claim products with the matching degree higher than a preset matching degree threshold value according to the matching degree from high to low to obtain a product recommendation list.
Further, the target claim product determination module 302 further includes:
The history information acquisition unit is used for acquiring the user information of the history user and the claim settlement products of the history user;
the correlation obtaining unit is used for carrying out correlation calculation on the user information and the claim product to obtain the correlation between the user information and the claim product;
and the claim product database generation unit is used for determining key information in the user information based on the correlation and generating the claim product database based on the key information and the claim product.
Further, the correlation obtaining unit includes:
a correlation coefficient calculating subunit, configured to calculate a correlation coefficient between the user information and the claim product based on a preset correlation coefficient calculating model;
and the correlation determination subunit is used for matching the correlation coefficient with a preset coefficient range to obtain a matching result, and determining the correlation between the user information and the claim product based on the matching result.
Further, the matching degree obtaining unit includes:
a key information obtaining subunit, configured to obtain key information from the user information, where the key information includes first key information and second key information;
The key information matching subunit is used for matching in the claim product database based on the first key information and the second key information to obtain a first matching degree corresponding to the first key information and a second matching degree corresponding to the second key information;
and the matching degree calculating subunit is used for calculating and obtaining the matching degree of each claim product and the user information based on a preset first weight, a preset second weight, the first matching degree and the second matching degree.
Further, the big data claim product management apparatus 300 further includes: an authentication module, the authentication module comprising:
the information receiving unit is used for receiving the account information and the verification information input by the current user, and searching a user account corresponding to the account information based on the account information;
the identity verification unit is used for verifying the user identity of the current user based on the verification information and the user account;
and the page display module is used for generating a login success prompt when the user identity passes the verification, and displaying the function selection page to the current user for the user to operate.
It should be noted that, for convenience and brevity of description, the specific working process of the apparatus and each module described above may refer to the corresponding process in the foregoing method embodiment, which is not described herein again.
The apparatus described above may be implemented in the form of a computer program which is executable on a computer device as shown in fig. 4.
Referring to fig. 4, fig. 4 is a schematic block diagram of a computer device according to an embodiment of the present application. The computer device may be a server.
With reference to FIG. 4, the computer device includes a processor, memory, and a network interface connected by a system bus, where the memory may include a non-volatile storage medium and an internal memory.
The non-volatile storage medium may store an operating system and a computer program. The computer program includes program instructions that, when executed, cause the processor to perform any of a number of big data claim product management methods.
The processor is used to provide computing and control capabilities to support the operation of the entire computer device.
The internal memory provides an environment for the execution of a computer program in a non-volatile storage medium that, when executed by a processor, causes the processor to perform any of a number of big data claim product management methods.
The network interface is used for network communication such as transmitting assigned tasks and the like. Those skilled in the art will appreciate that the structures shown in FIG. 4 are block diagrams only and do not constitute a limitation of the computer device on which the present aspects apply, and that a particular computer device may include more or less components than those shown, or may combine some of the components, or have a different arrangement of components.
It should be appreciated that the processor may be a central processing unit (Central Processing Unit, CPU), but may also be other general purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field-programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. Wherein the general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
Wherein in one embodiment the processor is configured to run a computer program stored in the memory to implement the steps of:
Determining a target function module in the function selection page based on the first user operation;
when the target functional module is a claim product module, generating a product recommendation list based on user information of a current user, and determining a target claim product in the product recommendation list based on second user operation;
processing the user information of the current user and the clause information of the target claim product based on the premium calculation model to obtain premium of the target claim product, and detecting premium payment results of the current user;
and when the premium payment result is that the payment is successful, transmitting and storing the policy of the target claim product into a user account for the user to check.
In one embodiment, the processor, when implementing determining the target function module in the function selection page based on the first user operation, is configured to implement:
displaying a selectable control corresponding to a function module to the current user based on the function selection page;
and determining a target control in the selectable controls based on the first user operation, and taking a function module corresponding to the target control as a target function module.
In one embodiment, when the target function module is a claim product module, the processor generates a product recommendation list based on user information of a current user, for implementation:
Based on the user information, matching is carried out in a preset claim product database, and the matching degree of each claim product and the user information is obtained;
and sorting the claim products with the matching degree higher than a preset matching degree threshold value according to the matching degree from high to low to obtain a product recommendation list.
In one embodiment, before implementing matching in a preset claim product database based on the user information, the processor is further configured to implement:
acquiring user information of a historical user and a claim product of the historical user;
carrying out correlation calculation on the user information and the claim product to obtain a correlation between the user information and the claim product;
and determining key information in the user information based on the correlation, and generating the claim product database based on the key information and the claim product.
In one embodiment, the processor is configured to, when performing correlation calculation on the user information and the claim product to obtain a correlation between the user information and the claim product, perform:
Calculating the correlation coefficient of the user information and the claim product based on a preset correlation coefficient calculation model;
and matching the correlation coefficient with a preset coefficient range to obtain a matching result, and determining the correlation between the user information and the claim product based on the matching result.
In one embodiment, the processor is configured to, when implementing matching in a preset claim product database based on the user information to obtain a matching degree between each claim product and the user information, implement:
acquiring key information from the user information, wherein the key information comprises first key information and second key information;
based on the first key information and the second key information, matching is carried out in the claim product database, and a first matching degree corresponding to the first key information and a second matching degree corresponding to the second key information are obtained;
and calculating and obtaining the matching degree of each claim product and the user information based on a preset first weight, a preset second weight, the first matching degree and the second matching degree.
In one embodiment, the processor, prior to implementing determining the target function module in the function selection page based on the first user operation, is further configured to implement:
Receiving account information and verification information input by the current user, and searching a user account corresponding to the account information based on the account information;
based on the verification information and the user account, verifying the user identity of the current user;
and when the user identity passes the verification, generating a login success prompt, and displaying the function selection page to the current user for the user to operate.
The embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium stores a computer program, the computer program comprises program instructions, and the processor executes the program instructions to realize any big data claim product management method provided by the embodiment of the application.
The computer readable storage medium may be an internal storage unit of the computer device according to the foregoing embodiment, for example, a hard disk or a memory of the computer device. The computer readable storage medium may also be an external storage device of the computer device, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), or the like, which are provided on the computer device.
While the invention has been described with reference to certain preferred embodiments, it will be understood by those skilled in the art that various changes and substitutions of equivalents may be made and equivalents will be apparent to those skilled in the art without departing from the scope of the invention. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (10)
1. A method of managing a big data claim product, comprising:
determining a target function module in the function selection page based on the first user operation;
when the target functional module is a claim product module, generating a product recommendation list based on user information of a current user, and determining a target claim product in the product recommendation list based on second user operation;
processing the user information of the current user and the clause information of the target claim product based on the premium calculation model to obtain premium of the target claim product, and detecting premium payment results of the current user;
and when the premium payment result is that the payment is successful, transmitting and storing the policy of the target claim product into a user account for the user to check.
2. The big data claim product management method of claim 1, wherein the determining the target function module in the function selection page based on the first user operation comprises:
displaying a selectable control corresponding to a function module to the current user based on the function selection page;
and determining a target control in the selectable controls based on the first user operation, and taking a function module corresponding to the target control as a target function module.
3. The big data claim product management method of claim 1, wherein when the target function module is a claim product module, generating a product recommendation list based on user information of a current user includes:
based on the user information, matching is carried out in a preset claim product database, and the matching degree of each claim product and the user information is obtained;
and sorting the claim products with the matching degree higher than a preset matching degree threshold value according to the matching degree from high to low to obtain a product recommendation list.
4. The method for managing big data claim 3, wherein the matching is performed in a preset claim product database based on the user information, and before the matching degree between each claim product and the user information is obtained, the method further comprises:
Acquiring user information of a historical user and a claim product of the historical user;
carrying out correlation calculation on the user information and the claim product to obtain a correlation between the user information and the claim product;
and determining key information in the user information based on the correlation, and generating the claim product database based on the key information and the claim product.
5. The method for managing big data claim 4, wherein the performing correlation calculation on the user information and the claim product to obtain a correlation between the user information and the claim product comprises:
calculating the correlation coefficient of the user information and the claim product based on a preset correlation coefficient calculation model;
and matching the correlation coefficient with a preset coefficient range to obtain a matching result, and determining the correlation between the user information and the claim product based on the matching result.
6. The method for managing big data claim 3, wherein the matching is performed in a preset claim product database based on the user information, so as to obtain a matching degree between each claim product and the user information, and the method comprises the following steps:
Acquiring key information from the user information, wherein the key information comprises first key information and second key information;
based on the first key information and the second key information, matching is carried out in the claim product database, and a first matching degree corresponding to the first key information and a second matching degree corresponding to the second key information are obtained;
and calculating and obtaining the matching degree of each claim product and the user information based on a preset first weight, a preset second weight, the first matching degree and the second matching degree.
7. The big data claim product management method according to any one of claims 1 to 6, further comprising, prior to determining the target function module in the function selection page based on the first user operation:
receiving account information and verification information input by the current user, and searching a user account corresponding to the account information based on the account information;
based on the verification information and the user account, verifying the user identity of the current user;
and when the user identity passes the verification, generating a login success prompt, and displaying the function selection page to the current user for the user to operate.
8. A big data claim product management apparatus, comprising:
the target function determining module is used for determining a target function module in the function selection page based on the first user operation;
the target claim product determining module is used for generating a product recommendation list based on the user information of the current user when the target functional module is the claim product module, and determining a target claim product in the product recommendation list based on the second user operation;
the payment result detection module is used for processing the user information of the current user and the clause information of the target claim product based on the premium calculation model, obtaining the premium of the target claim product and detecting the premium payment result of the current user;
and when the premium payment result is that the payment is successful, transmitting and storing the policy of the target claim product into a user account for the user to check.
9. A computer device, the computer device comprising a memory and a processor;
the memory is used for storing a computer program;
the processor for executing the computer program and implementing the big data claim product management method according to any of claims 1 to 7 when executing the computer program.
10. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program, which when executed by a processor causes the processor to implement the big data claim product management method according to any one of claims 1 to 7.
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| CN202410043582.5A CN117710122A (en) | 2024-01-11 | 2024-01-11 | Big data claim product management method, device, computer equipment and storage medium |
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| CN202410043582.5A CN117710122A (en) | 2024-01-11 | 2024-01-11 | Big data claim product management method, device, computer equipment and storage medium |
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